WHO DECEIDES WHO IS AT FAULT? THE POLICE REPORT I RECEIVED BY THE OFFICER ON THE SCENE OF THE ACCIDENT ,THE OTHER DRIVER IS RESPONSIBLE
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UPDATED: Apr 14, 2012
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Insurance Question from Orchards, WA
Asked on 04/14/2012
WHO DECEIDES WHO IS AT FAULT? THE POLICE REPORT I RECEIVED BY THE OFFICER ON THE SCENE OF THE ACCIDENT ,THE OTHER DRIVER IS RESPONSIBLE I AM THE OWNER OF A UNINSURED VEHICLE WHO WAS NOT DRIVING MY CAR AT TIME OF ACCIDENT. BUT SUPPOSIVELY AND ACCORDING TO WHAT I READ FROM THE ACCIDENT REPORT THE OTHER INSURED VEHICLE IS AT FAULT.BUT I KNOW HAVE A WRECKED VEHICLE AND NOW HAVING A SUBROGATION COMPANY COMING AFTER ME ? WHAT TO DO?
Answer given on April 24, 2012
If you are in an accident that is not your fault, the fact that you do not have insurance does not necessarily affect the handling of the claim. If the other party was at fault, then therr insrance company should be held accountable for the damages to your car.The other insurance company may well investigate the claim, since you were not insured, and you may have issues with the police and the Dept of Motor Vehicles, but if you were not responsible for the accident, then the other insurance company should pay for the damages to your car.The other insurance company may be uncooperative due to the fact that you did not have insurance at the time of the loss, but if their driver was responsible for the accident, the fact that you had no insurance should not affect the handling of the claim. If they refuse to pay the claim, ask for a supervisor, since the fact taht you had no insurance did not affect the claim.
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